North Carolina Health Insurance
Information about Health Insurance in North Carolina
Purchasing a North Carolina health insurance policy can be a pleasant experience if you are informed about laws regulating health insurance in North Carolina. Blue Cross Blue Shield has been designated as the regulated North Carolina health insurance provider that must offer to most people in the state North Carolina health insurance. North Carolina health insurance then provides consumer protections that other states do not have.
Employees have to be covered by group health insurance in North Carolina if they are eligible. Exclusions from health insurance in North Carolina can be applied for a maximum of 12 months. For late enrollment, exclusion periods for group health insurance in North Carolina can be extended to 18 months. Exclusions can only be applied to group health insurance in North Carolina policies for pre-existing conditions diagnosed within six months of the start of group health insurance in North Carolina. Pregnancy cannot be considered a pre-existing condition for group health insurance in North Carolina.
Most providers of individual health insurance in North Carolina are free to deny coverage for any reason. The exception to this rule is Blue Cross Blue Shield, which is required to provide individual health insurance in North Carolina to any person who requests it. Providers can assess any fee or premium for individual health insurance in North Carolina that they see fit. Exclusions from individual health insurance in North Carolina can be applied for a period of 12 months for pre-existing conditions determined in the 12 months before the start of the individual health insurance in North Carolina. Providers of individual health insurance in North Carolina can consider pregnancy to be a pre-existing condition.
Small employers cannot be denied the coverage under small group health insurance in North Carolina. Premiums and rates of small group health insurance in North Carolina can be altered because of the health of group members. Providers of small group health insurance in North Carolina are required to offer a basic plan and a standard plan. Self-employed people are able to purchase a small group health insurance in North Carolina. Providers of small group health insurance in North Carolina can refuse to sell all but standard and basic plans to the self-employed.
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